Manx Financial (MFX) AI Stock Analysis

• Market Cap: £39.51M
• Dividend Yield: 1.78%
• Average Volume (3M): 210.15K
• Price to Earnings (P/E): 4.8
• Beta (1Y): 1.06
• Revenue Growth: 21.78%
• EPS Growth: 50.00%
• Country: UK
• Employees: 177
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.05
• Shares Outstanding: 119,715,760
• 10 Day Avg. Volume: 192,867
• 30 Day Avg. Volume: 210,152
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £36.00
• Price Target Upside: 9.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 81 Outperform
• Price Target: 36.00p ▲(9.09% Upside)

Manx Financial Group demonstrates a solid overall stock performance with strong financials, strategic corporate expansions, and highly attractive valuation metrics. The bullish technical indicators are positive, though caution is advised due to potential overbought conditions.

Manx Financial Business Overview & Revenue Model

Company Description

Manx Financial Group PLC, through its subsidiaries, provides asset and personal finance, and wealth management services in the Isle of Man, the United Kingdom, and the Channel Island. The company provides various financial products and services, such as savings accounts, asset financing, personal loans, block discounting, and other specialist secured credit facilities to consumers and business sectors; and loans to small and medium sized entities, as well as foreign exchange, and hire purchase and leasing brokerage services. It also offers wealth management, mortgage, general and life insurance, and retirement planning services to personal and corporate customers; and payment processing facilities. The company was formerly known as Conister Financial Group PLC and changed its name to Manx Financial Group PLC in July 2009. Manx Financial Group PLC was founded in 1935 and is based in Douglas, the Isle of Man.

How the Company Makes Money

Manx Financial generates revenue through multiple streams, primarily by offering interest-bearing loans and credit facilities to both individuals and businesses. The company charges interest on the loans it provides, which constitutes a significant portion of its income. Additionally, MFX earns revenue from fees associated with its financial products, such as origination fees, service fees, and late payment penalties. The company may also generate income through its asset management services by charging management fees on the assets it manages for clients. Strategic partnerships with local banks and financial institutions further enhance its outreach and ability to offer competitive financing options, contributing to its overall earnings.

Manx Financial Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	60.13M	31.48M	26.16M	24.71M	22.45M	16.77M
Gross Profit	60.13M	31.48M	26.16M	19.74M	17.23M	16.77M
EBITDA	4.69M	8.55M	6.53M	4.45M	3.24M	3.97M
Net Income	5.77M	5.29M	4.33M	2.79M	1.94M	2.67M
Balance Sheet
Total Assets	502.23M	480.70M	379.26M	308.75M	267.96M	252.89M
Cash, Cash Equivalents and Short-Term Investments	0.00	12.11M	22.63M	20.28M	34.05M	14.62M
Total Debt	41.41M	40.67M	32.95M	24.97M	22.73M	16.68M
Total Liabilities	465.54M	444.72M	349.49M	283.77M	245.53M	230.57M
Stockholders Equity	37.07M	34.94M	29.58M	24.93M	22.35M	22.32M
Cash Flow
Free Cash Flow	-24.08M	2.01M	-4.69M	316.00K	-5.63M	22.31M
Operating Cash Flow	-21.44M	5.54M	-2.72M	2.91M	-4.21M	24.08M
Investing Cash Flow	-55.91M	-111.66M	-2.17M	-17.78M	19.21M	-19.02M
Financing Cash Flow	78.73M	95.60M	7.24M	1.10M	4.44M	-186.00K

Manx Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MFX, the sentiment is Positive. The current price of 33 is below the 20-day moving average (MA) of 34.02, above the 50-day MA of 29.02, and above the 200-day MA of 19.49, indicating a neutral trend. The MACD of 1.10 indicates Positive momentum. The RSI at 51.94 is Neutral, neither overbought nor oversold. The STOCH value of 15.77 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:MFX.

Manx Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MFX	81 Outperform	£39.51M	4.80	22.44%	1.78%	21.78%	50.00%
STB	73 Outperform	£198.50M	8.55	6.47%	2.73%	9.09%	-9.36%
ARBB	71 Outperform	£173.19M	10.68	6.22%	4.77%	1.68%	―
PGH	70 Outperform	£113.22M	21.27	16.54%	4.47%	-43.51%	23.39%
MTRO	68 Neutral	£834.85M	8.13	9.14%	―	-29.12%	964.19%
Sector *	68 Neutral	$17.81B	11.59	9.88%	3.74%	9.69%	1.11%
VANQ	61 Neutral	£285.08M	―	-16.30%	9.29%	-3.77%	-147.20%

Manx Financial Corporate Events

Manx Financial Group Expands into UK Insurance Market

Manx Financial Group PLC has announced that its subsidiary, CAM Wealth Group Limited, has received regulatory approval from the UK Financial Conduct Authority to sell and distribute general insurance products. This strategic move marks a significant milestone in the Group’s growth, enabling it to offer tailored insurance solutions to its existing retail and SME clients, and eventually to a broader market. The expansion aligns with the company’s vision of delivering a fully integrated suite of financial services, strengthening its industry positioning and potentially benefiting stakeholders by broadening its service offerings.

Manx Financial Group Expands BNPL Offerings Through Key Partnerships

Manx Financial Group PLC announced that its subsidiary, Payment Assist Limited, has secured five new key partner lending agreements, projected to boost annual advances by £27 million and increase revenue by over £5 million. These agreements include partnerships with the Retail Automotive Alliance, eDynamix, Car Care Plan, Nissan Motor GB, Fix Auto UK, and Revive! Auto Innovations, enhancing PAL’s BNPL offerings across various automotive services. This strategic expansion is expected to strengthen Manx Financial’s market position and provide significant growth opportunities in the UK automotive finance sector.

Manx Financial Group to Present at Shares Spotlight Event in London

Manx Financial Group PLC announced its participation in the AJ Bell’s Shares Spotlight investor evening event in London on July 15, 2025. A senior board director will present the Group’s plans to existing and potential investors, providing an opportunity for attendees to engage directly with the company and discuss investment opportunities.

Manx Financial Group Achieves Record Profit Growth in 2024

Manx Financial Group PLC reported a record profit before tax of £9.9 million for 2024, marking a 41% increase from the previous year. This growth was achieved despite subdued economic conditions in the Isle of Man and the UK, demonstrating the resilience of the company’s growth strategy. The company plans to return 10% of its profit to shareholders through dividends, reflecting a 48.6% increase per share. Subsidiaries like Payment Assist Limited and Conister Bank Limited contributed significantly to the group’s performance, with Payment Assist nearly doubling its profitability and Conister Bank maintaining strong liquidity. The group’s strategic focus on SMEs and niche financial products has allowed it to build a valuable portfolio of subsidiaries, enhancing shareholder value.

Manx Financial Group Projects 41% Profit Surge for 2024

Manx Financial Group PLC has announced an anticipated 41% increase in its consolidated Profit Before Taxation for the year ending 31 December 2024, reaching approximately £9.9 million, pending final auditor approval. This growth reflects the successful integration of Payment Assist Limited, a wholly owned subsidiary, into the Group’s operations, meeting enhanced governance requirements post-acquisition, and positioning the company for stronger market performance.